A few days ago, Taiping Life Insurance announced a new type of proton heavy ion medical insurance, named Quality Assurance 221 proton heavy ion medical insurance. The previous 219 version attracted a lot of people with a guarantee of 9.9 yuan and 3 million yuan a year.
So is this product guaranteed well and is it necessary to place an order?
for more details about this product, you can also read this article!
how about quality assurance 221? Don't be fooled! I don't know yet!
1. How does Taiping Anxin 221 proton heavy ion medical insurance guarantee
After understanding it, we will return to our topic, and the essence map will go first.
Quality Assurance 221 Medical Insurance
After a careful look at the protection map, we can find that this insurance is specially designed to protect proton heavy ions, and it does not provide general medical care and serious medical care. Now let's explore this product protection in depth!
1.? Proton heavy ion protection is more comprehensive
Let me introduce proton heavy ion technology in detail: proton heavy ion radiotherapy refers to the radiotherapy of malignant tumors with proton and heavy ion technology, which is internationally recognized as the most advanced radiotherapy technology. This technology can reduce the damage to normal tissues and improve the quality of life of patients while blasting tumors intensively.
in p>216, the medical market in Japan grew at an alarming rate. The number of Japanese medical personnel visiting China rose to more than 5,, five times that of 215. The medical market in Japan is in full swing. Happily, compared with China, the technology is relatively mature, and the price is far lower than that of China's cancer proton heavy ion medical treatment.
In recent years, the World Health Organization (WHO) has rated the global medical level, and Japan has been ranked first for many years. The number and technical level of special facilities for proton and heavy ion therapy in Japan are at the forefront of the world, so everyone likes to go to Japan to treat cancer.
According to the analysis of related industries, the number of proton heavy ion therapy equipment in China is not too large, and the treatment experience is not so rich. Compared with proton heavy ion therapy in other countries, there is still a big gap, mainly in the following two aspects:
On the one hand, the number of institutions and actual cases treated by proton heavy ion technology in China is relatively small, which makes the medical staff engaged in proton heavy ion centers in China lack practical experience.
On the other hand, so far, the performance of proton heavy ion centers in China is somewhat unsatisfactory. Most of the patients admitted are patients with single lesion in the early stage, while most of the patients with lung cancer in the middle and late stage have not been admitted.
At present, many medical insurances only have domestic proton heavy ion medical insurance, and at the same time, the compensation amount is only one million. However, this quality assurance 221 proton heavy ion medical insurance product not only has 1% loss ratio of proton heavy ion in specific hospitals in China, but also has 1% compensation ratio guarantee from 21 specific proton heavy ion medical institutions in Japan.
if you like better proton heavy ion technology, most medical insurance can't meet this requirement, and this Taiping Anxin 221 proton heavy ion medical insurance can provide more comprehensive protection to some extent.
2.? Poor renewal conditions
The renewal conditions of this Taiping Anxin 221 proton heavy ion are totally unattractive, and there are still uncertainties in the renewal. If one day, this product is no longer sold, or in another case, the insured can't continue to buy this product after 6 years old. Compared with some medical insurance in the market that does not guarantee renewal, the renewal conditions are even better.
You need to know the renewal conditions in advance. You can read this article to prevent being cheated:
What should I pay attention to when renewing medical insurance?
Second, is Taiping Anxin 221 proton heavy ion medical insurance worth buying?
To sum up and analyze, Taiping Anxin 221 proton heavy ion medical insurance is within the scope of protection, and it can only be proton heavy ions. Senior sister doesn't recommend this product as the only medical insurance, but it can be a supplementary insurance to the comprehensive million medical insurance.
Especially when the global epidemic has not been handled well this year, going abroad for treatment is inherently risky, let alone going to Japan for treatment.
Therefore, it is not recommended to buy this medical insurance at this stage. Facing the million-dollar medical insurance with comprehensive protection and practical value-added services, people should pay more attention to it.
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written at the end
I am a schoolmaster who talks about insurance and focuses on objective, professional and neutral insurance evaluation;
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